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Agency Blog

What Your Business Policy May Cover During the Pandemic

8/11/2020

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​With quarantine measures still not predicted to end, several businesses will have to endure an extended disruption while also balancing revenue reduction and maintaining the optimum delivery service. A primary concern area for business owners is how COVID-19 will impact their business insurance. Some of the changes are enumerated below.
Review your Employer's Liability Insurance
Businesses don't have to worry about getting sued by current or ex-employees for injuries or illness at work if they have Employer's Liability Insurance. However, because most companies now have to work remotely, it is recommended that business owners discuss with their insurers if their policy includes those working from home.

If it doesn't, you can extend your policy to guarantee it applies to those working remotely. Remember also to check the terms of the plan. However, while you must have sufficient Employer's Liability Insurance, you should note that it is still the employee's responsibility to ensure they have a safe environment.

Business Interruption Claims
With Business Interruption Insurance, you will have your financial losses covered from the consequences of a business interruption, including revenue loss. If you have this policy at hand and currently have an inoperable business due to the pandemic, you might consider contacting your insurance provider for claims.

Likely, most business owners have now discussed with their insurers and clarified the policies and specific exclusions regarding the coronavirus. However, Business Interruption Insurance might not be part of your original plan.

Increase Cyber Risks
Because many people have adapted to take their jobs and businesses at home, data and cybersecurity risks spiked the charts. For instance, there has been a detrimental increase in COVID-19 phishing emails, with thousands of people scammed. Now that most of the population work remotely, it is essential to review cybersecurity policies more than ever.

If you don't have a policy for Cyber Security Insurance, now is the time to weigh out its value for your business and employees.

Ultimately, the pandemic has caused a continuous disruption from thousands to millions of companies and businesses worldwide. Avoid further consequences by discussing with your insurer and reviewing your insurance policies to ensure that you have a protected industry in the short and long term.

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.
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Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
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